On a Solid Footing

Owning a home stands for financial affluence and emotional security. But even today, millions of Indians live in wretched conditions in the paucity of housing options, inadequate income, and limited access to housing finance for low-income borrowers.

To address this pressing need, Affordable Housing is the answer. It is the solution to the large-scale urbanization that India is currently undergoing.

Urban and Rural Population in India


People are anticipated to make urban India their home by 2030 compared to 461 million in 2018


Of the urban infrastructure that will exist in 2050 is yet to be built

US$ 827billion

Is the estimated gap in the urban infrastructure investment over the next 15 years

HFCs – Key to Fulfilling the Credit Gap in the Indian Affordable Housing Space


Of the houses in India are built using their funds from informal borrowing sources

What makes HFCs better suited for this demand




(Source: UN DESA, Urban and Rural Population India (2018), Grant Thornton Research)

IIFL Home Finance is amongst the leading players in the Indian housing finance space. We are actively supporting the evolved housing finance needs of the marginalized sections of the society - the underserved as well as promoting affordable housing and sustainable construction.

Aligned with Government’s ‘Housing for All’ mission, our focus is to expand home loans to customers in Tier-I suburbs, Tier-II and Tier-III cities at affordable interest rates.

Home Loan


Average ticket size

The IIFL Home Loans offers a host of benefits such as home loan balance transfer, interest subsidy under the PMAY scheme, longer tenure, zero pre-payment charges, doorstep services, others. Our Home Loan offerings are customized to the needs of the customer, and range from buying a new home, renovating an existing home, constructing on pre owned land, and purchase of land for building a house. We primarily cater to the housing needs of salaried, self employed, and professionals

Secured Business Loan


Average ticket size

Small and medium businesses can use Secured Business Loans to meet their working capital needs, business demands, and commercial property purchases. The loans are secured by mortgages on residential or commercial properties. We provide small ticket loans to lower-income segments such as small traders and garment shop owners, to name a few, ensuring our commitment to the Atma Nirbhar Bharat Abhiyan (a National Mission initiated by the Indian government aimed at improving India’s self-reliance).

Affordable Housing Project Loan


Average ticket size

We provide Project Loans to cover construction costs for reputable developers’ affordable housing projects. We play a crucial role in promoting green building methods and assuring compliance with Environmental, Social, and Governance (ESG) aspects of supported projects by working with developers. In the retail house loan area, we also work with developers to provide loans to property buyers.

Expanding our Solid Footing

Association with Asian Development Bank

IIFL Home Finance Ltd. collaborated with Asian Development Bank (ADB) through a Technical Assistance (TA) program of USD 1 million and loan of USD 10 million to supportthe green building ecosystem in the affordable housing sector in India and a loan of USD 58 million to enable lower-income groups, especially women, in the country to get access to affordable and green buildings. The funding is first of its kind in India, shall be utilised to organise knowledge events and increase awareness among various stakeholders regarding the green certified housing standards in the affordable housing segment.